If you were involved in auto accident in Oregon you are entitled to PIP coverage for your medical needs, whether or not you are at fault. PIP is Oregon’s Personal Injury Protection and each person involved in an Oregon auto accident can receive between $10,000-$20,000 worth of health care at no cost.
We are also here to assist you in managing your claim. We understand that this may be your first time navigating the world of insurance claims. Our goal is to make the administrative side of your claim go as smoothly as possible, so you can focus on getting well.
Personal Injury Protection Benefits, or PIP, are medical, wage and loss of services benefits required by Oregon Statute to provide “health insurance”, wage replacement and loss of service payments to all of us who own automobile insurance policies. The insurance provides coverage for medical care and other benefits incurred as a result of injuries arising out of the use of an insured automobile.
PIP limits are the maximum amount your insurance company will pay for a single accident. PIP has a limit of $15,000 as per Oregon statute and coverage expires two years from the accident date. There may be exceptions to these rules, so it’s advisable to check with your insurance representative or your attorney to verify your own situation.
All medical care reasonably and necessarily incurred due to the automobile crash will be paid for. With some limited exception, you do not need a referral to a specialist, as is typical of health plans. Chiropractic care, Osteopathic care, medical doctor care and hospital care will be paid. You should obtain a referral from your treating doctor for massage therapy, physical therapy, acupuncture, etc. Consult your attorney for specifics.
Call your insurance agent and report the crash. If you are hurt, it is ok to go to the hospital or doctor without getting insurance company permission. Get the medical attention you need. If you are injured, tell your agent and ask that a PIP claim be started. You should expect a call from an insurance adjustor who will ask you questions about your car crash. You should cooperate with this insurance adjustor. Be sure you are speaking with the insurance adjustor who has been assigned your PIP claim. The insurance adjustor should send you a PIP Application, or Application for Benefits. Be sure to ask that it be sent. Complete this application and send it back to the insurance company right away. If you have questions about what you are filling out, call your attorney.
You will be assigned a claim number which you will need to provide to your medical providers. You will also need to provide your insurance company’s address to your medical provider for billing purposes. This address will be on the PIP application or other insurance company correspondence. Do not lose the claim number or insurance company contact information.
Often, a PIP insurer won’t pay a medical bill in full, for one reason or the other. It is important that you not let this slide, as the doctor expects to be paid in full, whether by you or your insurer. Remember, you are ultimately responsible for the bill, even though you have insurance and even though someone else hurt you. If your doctors aren’t being paid, you should contact an attorney. There are dispute resolution mechanisms available for you through your insurance contract that a lawyer can help you with.
An attorney will protect you and help make sure ALL of your reasonable costs are covered. Many injuries from car accidents plague their victims for weeks, months, and even YEARS. An attorney can help you manage these difficult circumstances by fighting for fair compensation for you.
Insurance adjusters know that you do not handle hundreds of car accident cases each year. Your lack of experience with this type of matter may impact your ability to obtain a fair settlement. A lawyer can help you understand what fair compensation should be in your particular matter.